OP Bancorp (OPBK) Financial Ratios
14 years of historical data (2012–2025) · Financial Services · Banks - Regional
EV/EBITDA
↓
-2.31
↓-157% vs avg
5yr avg: 4.05
30Y Low0.0·High9.6
P/FCF
↑
9.15
↑+70% vs avg
5yr avg: 5.37
30Y Low2.1·High14.1
P/B Ratio
↓
0.94
-7% vs avg
5yr avg: 1.01
30Y Low0.6·High1.7
ROE
↓
11.9%
-19% vs avg
5yr avg: 14.7%
30Y Low9%·High24%
Debt/EBITDA
↑
2.86
↑+43% vs avg
5yr avg: 2.00
30Y Low0.2·High4.3
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
OPBK Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
OP Bancorp trades at 8.3x earnings, 8% above its 5-year average of 7.7x, sitting at the 36th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a discount of 39%. On a free-cash-flow basis, the stock trades at 9.2x P/FCF, 70% above the 5-year average of 5.4x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $214M | $210M | $235M | $166M | $170M | $193M | $117M | $165M | $138M | $132M | $101M |
| Enterprise Value | $-98233548 | $-101590518 | $203M | $189M | $97M | $88M | $24M | $89M | $60M | $119M | $91M |
| P/E Ratio → | 8.35 | 8.21 | 11.37 | 7.06 | 5.21 | 6.79 | 9.06 | 10.07 | 9.97 | 14.85 | 14.53 |
| P/S Ratio | 1.28 | 1.26 | 1.53 | 1.22 | 1.61 | 2.41 | 1.82 | 2.35 | 2.32 | 2.68 | 2.49 |
| P/B Ratio | 0.94 | 0.92 | 1.15 | 0.86 | 0.96 | 1.17 | 0.82 | 1.18 | 1.06 | 1.44 | 1.25 |
| P/FCF | 9.15 | 9.01 | 7.89 | 2.53 | 2.06 | — | — | 9.58 | 4.69 | — | 9.81 |
| P/OCF | 8.17 | 8.05 | 7.50 | 2.45 | 2.03 | — | — | 8.71 | 4.51 | — | 9.57 |
P/E links to full P/E history page with 30-year chart
OPBK EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | -0.61 | 1.32 | 1.39 | 0.92 | 1.10 | 0.38 | 1.27 | 1.01 | 2.41 | 2.24 |
| EV / EBITDA | -2.31 | -2.39 | 6.67 | 5.43 | 2.02 | 2.10 | 1.25 | 3.85 | 2.94 | 6.56 | 6.80 |
| EV / EBIT | -2.78 | -2.88 | 6.98 | 5.64 | 2.08 | 2.17 | 1.34 | 4.05 | 3.09 | 6.94 | 7.40 |
| EV / FCF | — | -4.35 | 6.81 | 2.88 | 1.18 | — | — | 5.18 | 2.05 | — | 8.83 |
OPBK Profitability
Margins and return-on-capital ratios measuring operating efficiency
OP Bancorp earns an operating margin of 21.2%, roughly in line with the Financial Services sector average. Operating margins have compressed from 24.7% to 21.2% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 11.9% is modest. ROIC of 8.1% represents adequate returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 54.7% | 54.7% | 51.5% | 59.8% | 86.5% | 95.4% | 77.9% | 77.8% | 82.5% | 88.1% | 87.6% |
| Operating Margin | 21.2% | 21.2% | 18.9% | 24.7% | 44.1% | 50.7% | 28.3% | 31.4% | 32.8% | 34.8% | 30.3% |
| Net Profit Margin | 15.4% | 15.4% | 13.7% | 17.6% | 31.5% | 36.0% | 20.4% | 23.9% | 24.0% | 18.7% | 18.2% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.9% | 11.9% | 10.6% | 12.9% | 19.5% | 18.7% | 9.2% | 12.4% | 12.9% | 10.7% | 9.7% |
| ROA | 1.0% | 1.0% | 0.9% | 1.1% | 1.7% | 1.9% | 1.0% | 1.5% | 1.5% | 1.1% | 1.1% |
| ROIC | 8.1% | 8.1% | 7.1% | 10.2% | 19.3% | 18.4% | 8.9% | 11.8% | 10.8% | 11.0% | 10.1% |
| ROCE | 2.4% | 2.4% | 8.9% | 12.6% | 23.5% | 22.7% | 11.3% | 15.0% | 16.2% | 17.0% | 12.5% |
OPBK Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
OP Bancorp carries a Debt/EBITDA ratio of 2.9x, which is moderately leveraged (33% below the sector average of 4.3x). The company holds a net cash position — cash of $434M exceeds total debt of $122M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 0.5x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.54 | 0.54 | 0.50 | 0.59 | 0.06 | 0.06 | 0.09 | 0.07 | — | 0.55 | 0.12 |
| Debt / EBITDA | 2.86 | 2.86 | 3.38 | 3.28 | 0.21 | 0.25 | 0.69 | 0.44 | — | 2.76 | 0.75 |
| Net Debt / Equity | — | -1.37 | -0.16 | 0.12 | -0.41 | -0.64 | -0.65 | -0.54 | -0.60 | -0.14 | -0.12 |
| Net Debt / EBITDA | -7.33 | -7.33 | -1.06 | 0.66 | -1.51 | -2.51 | -4.75 | -3.27 | -3.79 | -0.73 | -0.76 |
| Debt / FCF | — | -13.36 | -1.08 | 0.35 | -0.88 | — | — | -4.40 | -2.64 | — | -0.98 |
| Interest Coverage | 0.49 | 0.49 | 0.40 | 0.63 | 4.13 | 12.98 | 2.20 | 1.52 | 2.14 | 3.75 | 3.65 |
Net cash position: cash ($434M) exceeds total debt ($122M)
OPBK Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
A current ratio of 1.91x means OP Bancorp can comfortably meet its short-term obligations, though there is limited excess liquidity. The current ratio has improved from 0.16x to 1.91x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 1.91 | 1.91 | 0.07 | 0.16 | 0.16 | 0.18 | 0.17 | 0.14 | 0.15 | 0.13 | 0.09 |
| Quick Ratio | 1.91 | 1.91 | 0.07 | 0.16 | 0.16 | 0.18 | 0.17 | 0.14 | 0.15 | 0.13 | 0.09 |
| Cash Ratio | 38.84 | 38.84 | 0.07 | 0.05 | 0.04 | 0.08 | 0.09 | 0.08 | 0.09 | 0.08 | 0.03 |
| Asset Turnover | — | 0.06 | 0.07 | 0.06 | 0.05 | 0.05 | 0.05 | 0.06 | 0.06 | 0.05 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
OPBK Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
OP Bancorp returns 3.7% to shareholders annually — split between a 3.3% dividend yield and 0.3% buyback yield. The payout ratio of 27.8% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 12.0% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 3.3% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 27.8% | 27.8% | 33.9% | 30.4% | 20.0% | 17.8% | 32.5% | 18.8% | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 12.0% | 12.2% | 8.8% | 14.2% | 19.2% | 14.7% | 11.0% | 9.9% | 10.0% | 6.7% | 6.9% |
| FCF Yield | 10.9% | 11.1% | 12.7% | 39.6% | 48.4% | — | — | 10.4% | 21.3% | — | 10.2% |
| Buyback Yield | 0.3% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 3.7% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $15M | $15M | $15M | $15M | $15M | $15M | $16M | $16M | $13M | $13M |
Peer Comparison
Compare OPBK with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 OPBKYou | $214M | 8.3 | -2.3 | 9.2 | 54.7% | 21.2% | 11.9% | 8.1% | 2.9 |
 HAFC | $933M | 12.4 | 8.8 | 4.6 | 57.5% | 24.3% | 10.0% | 7.4% | 2.5 |
 PFBC | $1B | 9.5 | 4.1 | 7.2 | 55.0% | 38.0% | 17.2% | 13.5% | 2.0 |
 BCAL | $635M | 10.2 | 7.4 | 11.1 | 79.4% | 37.8% | 11.6% | 10.6% | 0.8 |
 CLBK | $2B | 39.3 | 42.5 | 35.6 | 50.3% | 11.9% | 4.6% | 2.0% | 17.2 |
 CATY | $4B | 13.0 | 9.3 | 10.9 | 55.1% | 29.4% | 10.9% | 9.8% | 0.5 |
 EBMT | $182M | 12.1 | 9.3 | 6.4 | 70.9% | 15.0% | 8.1% | 4.4% | 3.2 |
 HBCP | $519M | 11.3 | 7.5 | 11.7 | 70.5% | 27.7% | 11.1% | 7.7% | 1.0 |
 BYFC | $92M | -3.1 | — | — | 51.9% | -38.8% | -9.0% | -3.7% | — |
 CARV | $8M | -0.6 | — | — | 56.3% | -36.8% | -38.2% | -13.0% | — |
 WAL | $9B | 9.1 | 9.7 | — | 61.1% | 22.9% | 13.2% | 6.5% | 5.4 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 14 years · Updated daily
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OPBK — Frequently Asked Questions
Quick answers to the most common questions about buying OPBK stock.
What is OP Bancorp's P/E ratio?
OP Bancorp's current P/E ratio is 8.3x. The historical average is 10.4x. This places it at the 36th percentile of its historical range.
What is OP Bancorp's EV/EBITDA?
OP Bancorp's current EV/EBITDA is -2.3x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 4.6x.
What is OP Bancorp's ROE?
OP Bancorp's return on equity (ROE) is 11.9%. The historical average is 13.4%.
Is OPBK stock overvalued?
Based on historical data, OP Bancorp is trading at a P/E of 8.3x. This is at the 36th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is OP Bancorp's dividend yield?
OP Bancorp's current dividend yield is 3.33% with a payout ratio of 27.8%.
What are OP Bancorp's profit margins?
OP Bancorp has 54.7% gross margin and 21.2% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does OP Bancorp have?
OP Bancorp's Debt/EBITDA ratio is 2.9x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.